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PROJECT TOPIC: POST REFORM STRATEGIES FOR IDENTIFICATION AND MANAGEMENT OF BAD DEBTS IN NIGERIAN COMMERCIAL BANK

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Abstract   This study identifies the phenomenon “bad debts”, its effects and management, and also its recovery measures in Commercial Banks.  Activities in Nigeria more especially that of UBA and UBN data were obtained from full time bankers in UBA and UBN formulated and tested.  It also examined the method of appraising, monitoring, controlling of bank credit and recovery of bad debts the relationship between the amount of loans granted the interest income and the volume of bad debts was however noted.  The recommended managers should do every thing possible to prevent and control the occurrence volume and frequency of bad debt by being highly objective in handling loan applications and subsequent approvals.  Bad debts which can not be completely eliminated from the loan portfolio of the banks.  Staffs of Commercial Banks especially United Bank for Africa PLC and Union Bank of Nigeria should be sent to diverse development programme on different industries so that they should be in a better position to give both financial and technical advice to their numerous clients.  Thus, strategies adopted should aim at minimization, if not total elimination of the incidence

Delivery: Within 48 hours


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